Refinancing lenders in Hudson County
1,101 refinancing mortgages were made in Hudson County, New Jersey, in 2025, by 246 lenders. The median rate their borrowers got was 6.125% on a median loan of $515,000. Of 1,502 decisions, 331 were denials — 22.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Loandepot.Com, LLC | 134 | 6.125% | $675,000 | 4.3% |
| TD Bank, National Association | 81 | 6.125% | $495,000 | 21.4% |
| Rocket Mortgage, LLC | 66 | 5.875% | $390,000 | 20.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 64 | 5.999% | $485,000 | 16.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 54 | 6.188% | $610,000 | 8.5% |
| Citizens Bank, National Association | 44 | 7.400% | $285,000 | 33.8% |
| PNC Bank, National Association | 43 | 0.250% | $205,000 | 31.8% |
| Bank of America, National Association | 42 | 5.990% | $255,000 | 27.9% |
| JPMorgan Chase Bank, National Association | 24 | 6.125% | $445,000 | 25.0% |
| Manufacturers and Traders Trust Company | 20 | 5.875% | $680,000 | 23.1% |
| PENNYMAC LOAN SERVICES, LLC | 18 | 5.933% | $575,000 | 20.8% |
| BOND STREET MORTGAGE, LLC | 14 | 7.125% | $585,000 | 0.0% |
| U.S. Bank National Association | 13 | 5.875% | $555,000 | 0.0% |
| Columbia Bank | 12 | 5.990% | $1,755,000 | 6.3% |
| OceanFirst Bank, National Association | 12 | 5.625% | $475,000 | 7.7% |
| FIRST COLONY MORTGAGE CORPORATION | 11 | 6.990% | $455,000 | 0.0% |
| NEWREZ LLC | 10 | 6.058% | $630,000 | 54.6% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 10 | 6.995% | $455,000 | 7.1% |
| ConnectOne Bank | 10 | Not published | $1,675,000 | 0.0% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 15.4% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Third Federal Savings and Loan Association of Cleveland | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Spencer Savings Bank, SLA | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Kearny Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 71.1% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Provident Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Webster Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| United Nations Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Freedom Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NORWICH COMMERCIAL GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 71.4% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 14.3% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KWIK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 14.3% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 75.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 60.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Brighton Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emigrant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Habib American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Schuyler Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Visions Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| StanCorp Mortgage Investors, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Hope Bank, A National Banking Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lusitania Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Chicago | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanover Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ascendia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TrustCo Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ponce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nassau Educators Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Customers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Goldman Sachs Bank USA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLEGACY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FOUNDATION MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 46 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.